Professional services
HVAC Insurance Calculator
Insurance cost for an HVAC contractor across liability, workers compensation and fleet.
Result
An estimating tool, not insurance advice and not a quote. Underwriting sets real premiums on claims history, exact operations and contract requirements. What cover you need is a question for a licensed broker. HVAC combines electrical, gas, refrigerant and roof work, so the class codes and rates depend on what share of the work involves each. Refrigerant handling and hot work both carry specific requirements. Uninsured subcontractors are commonly added to your payroll base at audit, which produces large adjustments. Collect certificates before work starts.
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About this calculator
Why is workers compensation so much of the total?
Because the class rate for physical trades is high and it applies to the whole payroll. Office classifications are a fraction of a percent; trade classifications are several percent and sometimes far more.
What raises a contractor's premium most?
Claims history through the experience modifier, which follows you for several years, and the class codes your work falls under. Both matter more than the insurer you choose.
The formula
general liability on revenue, workers compensation on payroll at the class rate, plus commercial auto per vehicle
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